"We needed to replace three CNC machining centres without draining the cash reserves we had built up for a factory expansion. SOFI structured a 48-month lease with a stepped payment schedule that matched our production ramp-up. The credit decision came back in under two days, and the documentation was straightforward. Eighteen months in, everything is exactly as agreed — no surprises whatsoever."
— Tomasz Wierzbicki
★★★★★
"As a physiotherapy clinic owner, I found it nearly impossible to get bank financing for medical equipment because my practice was only three years old. SOFI assessed my application based on appointment volumes and forward contracts, not just years of trading history. The agreement was competitive and the monthly payment fits comfortably within our revenue. I have already referred two colleagues to SOFI."
— Claire Deschamps
★★★★★
"We operate a regional refrigerated transport fleet and needed to add eight new vehicles ahead of a large retail distribution contract. SOFI's fleet team understood the logistics sector and did not require the kind of collateral a bank would have demanded. The lease terms were clear, the residual values were fair, and Lorenzo from the client relations team kept us updated at every stage of the process."
— Radu Ionescu
★★★★☆
"Our architecture studio leased a high-specification 3D rendering workstation cluster and large-format printing equipment through SOFI. What stood out was that they actually understood what the equipment was and why it mattered to our workflow — they did not treat it as a generic asset. The end-of-term purchase option we exercised was exactly the figure stated in our original contract, which I genuinely appreciated."
— Helena Mäkinen
★★★★★
"I run a mid-sized construction firm and have now completed two separate leasing agreements with SOFI — one for excavation equipment and one for a site vehicle fleet. The second agreement was faster to process because they already understood our business profile. Their seasonal payment structure during winter months made a real difference to our cash flow planning. I would not hesitate to recommend them to other contractors."
— Giacomo Ferretti
★★★★☆